Home Structure Insurance
CommonCover for the residential building against listed insured events.
Often considered by
Homeowners responsible for rebuilding the property.
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Protect buildings, belongings and business premises.
5 plan types explained. This is an educational guide; the issued policy wording controls the actual cover.
Property insurance can cover a building, its contents or a commercial premises against listed events such as fire, specified natural hazards, burglary or accidental damage.
Plan types
Choose a type to understand its purpose, usual structure and the wording you should check.
Cover for the residential building against listed insured events.
Often considered by
Homeowners responsible for rebuilding the property.
Cover for eligible belongings kept inside the insured home.
Often considered by
Owners and tenants who want to protect household belongings.
Property cover for fire and other perils specifically listed in the policy.
Often considered by
Homeowners, shops, offices, factories and warehouses.
Cover for insured property after defined forcible entry or exit.
Often considered by
Homes and businesses holding valuable contents or stock.
A package policy for common shop premises, stock and liability risks.
Often considered by
Retail shop owners seeking a packaged solution.
Before choosing
Check exactly which events are covered, the overall limit, sub-limits and deductibles.
Read what is not covered and when cover begins. Marketing summaries are not the contract.
Review claim notice rules, required evidence, cashless or reimbursement terms and grievance routes.
Keep the proposal form, benefit illustration where applicable, payment receipt and final policy schedule. Never rely only on a verbal promise.